A card (Application score card) Request scorecard
B Card (Behavior score card) Behavioral scorecard
C Card (Collection score card) Collection scorecard
The difference between scoring mechanisms is:
1. The time of use is different. respectively, focus on pre-loan, loan in, after the loan;
2. Data requirements are different. A card generally can make loans for 0-1 years of credit analysis, B card is the applicant has a certain behavior, there is a large data analysis, generally 3-5 years, C card is more data requirements, need to add the customer response after the collection of property data.
3. The model of each scorecard will be different. In a card commonly used logistic regression, AHP and so on, and in the following two kinds of cards, often use multi-factor logistic regression, precision and other aspects better.
A, B, and C cards in the rating card in the credit score
